Creating an emergency fund for you and your loved ones

Whether you recently had an accident or an unexpected bill came up, you know how difficult it can be to find the pocket change you need in case of an emergency. That being said, it's important to have a stash of cash aside in the event of an unexpected situation. If you don't have an emergency savings account, there's no better time to start one than today.

While it might seem like you need to put in an ample amount of effort to begin an emergency savings account, a few simple changes to your spending habits can do the trick. Here are a few tips on how to better manage your cash and prepare for the unexpected.

1. Speak to your psychic.

To start off, it's a good idea to speak to your psychic, especially because you'll be making a financial decision that can impact your life in the future. During an online psychic reading, you can gain reassurance that your efforts to start a little nest egg won't go to waste. You may also be able to hone in on some of your poor spending habits and receive guidance on how to tweak them to benefit you later down the line.

2. Open a savings account.

It's simple to do, yet many people procrastinate on it and fail to open the account they need to start saving. Whether you're opening it with a spouse, a relative or on your own, make a deadline for you to create your savings account to start building your emergency fund. By staying on top of it and holding yourself accountable, you'll be more inclined to get the job done.

3. Direct deposit.

If your employer offers a direct deposit option for your checks, see if you can have them put a certain amount toward your new savings account each month. Many people think they can stay on top of depositing the money themselves, but quickly lose track as time goes on. Direct deposit can eliminate this obligation and ensure the money gets to your emergency fund.

4. Put spare change toward your account.

Whenever you have loose change, don't hesitate to deposit it into your emergency savings account. Perhaps you received a bonus at work or you just received your income tax return - these are all checks that could prove to be valuable in your emergency savings account.